Critical illness insurance provides coverage over and beyond what your health insurance policy covers. Do you need it?
Critical illnesses can strike anyone, at any time. Critical illness insurance helps you deal with the unexpected costs of these health problems. According to estimates by the American Heart Association, this year alone 600,000 Americans will experience their first stroke, 785,000 Americans will have a heart attack for the first time and about 1.4 million will be diagnosed with cancer. Continue reading “Your Guide to Critical Illness Insurance”
For years you’ve been encouraging your employees to save for retirement. But what about other savings programs? The growing popularity of 529 College Savings Plans provides employers the chance to offer employees a valuable benefit at virtually no cost.
529 College Savings Plans are education savings plans designed to help families set aside funds for future college costs. Named after section 529 of the tax code, these plans are generally sponsored by individual states. Continue reading “529 Savings Plans: Great Benefit at a Low Cost”
Using contingent workers can relieve your organization of some human resource functions, but it can create liability exposures.
When you hire temporary or leased employees, the agency acts as the employer. The agency is responsible for screening employees, paying employment taxes, providing workers’ compensation and, in some instances, providing employee benefits. Continue reading “Temporary Employees, Full Time Risks”
Scheduling regular policy reviews can ensure your business has the coverage it needs, when you need it. If you haven’t reviewed your coverage lately, the beginning of the year is a great time to take care of this important housekeeping matter. Continue reading “What to Do in Your Annual Insurance Policy Review”
Dental implants and bridges both replace missing teeth. These devices will likely become more common as the baby boomers age. What are they, and will your insurance cover them? Continue reading “Implants and Bridges–and How Dental Insurance Can Help”
When it comes to complying with provisions of the Immigration Reform and Control Act (IRCA), you may find yourself forced into two roles seemingly at odds with each other — verifying the employment of every employee while at the same time avoiding discriminatory practices. To help you walk the tightrope, here are nine common IRCA mistakes and solutions to help you avoid them: Continue reading “How to Avoid (and Costly) Immigration Mistakes”
Every organization’s business plan should include a section on risk management. If your business plan doesn’t address your risks, take a look at the following areas to start. Continue reading “Risk Management for Small Business”